GDPR Cookie Consent by SimpleServe Privacy Script Help needed with MK Rapid Recoveries plus Bryan Carter - AAD Consumer Forum

Announcement

Collapse
No announcement yet.

Help needed with MK Rapid Recoveries plus Bryan Carter

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

  • Help needed with MK Rapid Recoveries plus Bryan Carter

    Hi
    I need some help and advice please.

    Myself and my partner have a lot of credit card debt. We have basically ignored most of it, mainly due to a combination of ill health and also we just didn't have the money to pay.

    With a few, we haven't heard from them for a number of years, but not long enough to be statute barred.

    The most recent my OH has received was a letter from Bryan Carter at the end of October 2013, for a debt to lowell financial saying to avoid further action we need to make a payment before the 4th November 2013.
    We had previously received a letter from BC in September advising on how much court fees would be and a letter from Fredricksons.

    We haven't heard from them since. It's been around 4 years since a payment was last made to the original credit card company and the balance is just over £1000. I was wondering if we should send them a letter ? and if so which one ?

    But

    My/Our most worrying debts at the moment are to MK Rapid recoveries.

    I've just received 2 letters from them, one on the 27th Jan and one today. It's in regard to a Barclaycard debt of almost £4,000. This debt was previously with a different CC company and Barclaycard bought them out and have sold the debt to MK. It is a pre 2007 debt. They haven't obtained a CCJ on this as far as I'm aware.

    Barclaycard have infact sold 4 debts ( 2 of mine and 2 of my OH) to MK rapid recoveries. We both originally had a Barclaycard each and the two other cards we had barclays bought/took over from other CC Companies.

    Now MK have already obtained 2 CCJs against us over a year ago ( one each) and wanted the money forthwith. We haven't heard from them since with regards to this. We didn't have the money to pay them so haven't as yet.

    I'm absolutely worried sick. we are in a slightly better financial situation now where we could make them a small offer of payment. I just don't know what to do and how to reply the the letter I've just received from them.

    I'm also worried about going into too much detail at the moment just incase they read the forum. ,We are homeowners (with a mortgage ).

    Help and advice would me much appreciated, thank you.
    Battendown (the hatches) as we're in for a stormy ride !!

    I'm steering the good ship Battendown through a severe bout of physical turbulence !!

  • #2
    Re: Help needed with MK Rapid Recoveries plus Bryan Carter

    List each debt as a diary, and then we'll guide you better - send a CCA (one per account) to help stop any legal claims coming.....
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

    Comment


    • #3
      Re: Help needed with MK Rapid Recoveries plus Bryan Carter

      For Niddy set out the information for your accounts like this, one post for each account:


      • Type of account (credit card/loan)

      • Date commenced (ideally before Apr 2007)

      • Approx balance

      • Date last paid (approximate date you last made a FULL payment)

      • Are you on arrangement or not paying

      • Status (default/in arrears/up-to-date)

      • Account owner (who is writing to you, a DCA or the lender)
      "If wishes were horses, beggars would ride"

      Comment


      • #4
        Re: Help needed with MK Rapid Recoveries plus Bryan Carter

        Thank you Niddy, I'll get the diarys up and running. Do you think I should send cca's to the ones we haven't heard from for a few years, or let sleeping dogs lie ?
        Battendown (the hatches) as we're in for a stormy ride !!

        I'm steering the good ship Battendown through a severe bout of physical turbulence !!

        Comment


        • #5
          Re: Help needed with MK Rapid Recoveries plus Bryan Carter

          Thank you if.
          Battendown (the hatches) as we're in for a stormy ride !!

          I'm steering the good ship Battendown through a severe bout of physical turbulence !!

          Comment


          • #6
            Re: Help needed with MK Rapid Recoveries plus Bryan Carter

            Battendown,

            I remember chatting to you a couple of years ago when you were being spooked by bailiffs. I look forward to chatting to you again. Nice to have you back.

            http://forums.all-about-debt.co.uk/s...l=1#post212994

            Comment


            • #7
              Re: Help needed with MK Rapid Recoveries plus Bryan Carter

              Originally posted by Battendown View Post
              Thank you Niddy, I'll get the diarys up and running. Do you think I should send cca's to the ones we haven't heard from for a few years, or let sleeping dogs lie ?
              Sleeping dogs....

              Just diary those hose debts that are actively writing for now and similarly only cca them
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

              Comment


              • #8
                Re: Help needed with MK Rapid Recoveries plus Bryan Carter

                Originally posted by Battendown View Post
                Do you think I should send cca's to the ones we haven't heard from for a few years, or let sleeping dogs lie ?
                Let sleeping dog lie......Just send to the ones that contact you....
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment


                • #9
                  Re: Help needed with MK Rapid Recoveries plus Bryan Carter

                  BARCLAYS NOW OWNED BY MK RAPID RECOVERIES

                  Type of account (credit card/loan) .....
                  CREDIT CARD

                  Date commenced (ideally before Apr 2007) .....APPROX 2001

                  Approx balance .....£4.000

                  Date last paid (approximate date you last made a FULL payment).... APPROX END OF 2009, BUT May have acknowledged it since with a type of insurance. I don't want to give too much info out just incase DCAs read this.

                  Are you on arrangement or not paying....NOT PAYING

                  Status (default/in arrears/up-to-date)..... DEFAULTED

                  Account owner (who is writing to you, a DCA or the lender) .....MK RAPID RECOVERIES/COMPELLO

                  We also have other debt with MK Rabid myself and hubbie have a ccj each.

                  Niddy advised to Cca them so will be doing that.

                  CCA POSTED AND RECEIVED BY MK RAPID RECOVERIES, waiting for their response.
                  Last edited by Battendown; 21 February 2014, 23:09. Reason: Updating
                  Battendown (the hatches) as we're in for a stormy ride !!

                  I'm steering the good ship Battendown through a severe bout of physical turbulence !!

                  Comment


                  • #10
                    Re: Help needed with MK Rapid Recoveries plus Bryan Carter

                    MR BATTENDOWN'S
                    LOWELL'S (was Compuserve)

                    Type of account.... CREDIT CARD

                    Date commenced (ideally before Apr 2007) ......APPROX 2001

                    Approx balance......£1,000

                    Date last paid (approximate date you last made a FULL payment) ...... AROUND MARCH 2010

                    Are you on arrangement or not paying.......NOT PAYING

                    Status (default/in arrears/up-to-date) .......DEFAULTED

                    Account owner (who is writing to you, a DCA or the lender) .......BRYAN CARTER/ FREDRICKSONS FOR LOWELLS

                    Last had letter in October 2013 from BC saying had 14 days to pay. Did outline costs of how much the balance and court costs would be. Is this what is called a Letter before action ?

                    Niddy advised to Cca them, will be doing that.
                    21st Feb 2014 ...... CCA POSTED AND SIGNED FOR BY THEM. Now waiting for their response .
                    Last edited by Battendown; 21 February 2014, 23:12. Reason: Update
                    Battendown (the hatches) as we're in for a stormy ride !!

                    I'm steering the good ship Battendown through a severe bout of physical turbulence !!

                    Comment


                    • #11
                      Re: Help needed with MK Rapid Recoveries plus Bryan Carter

                      The above 2 are the ones that are currently chasing us so I'm listing these first. I hadn't heard from Mk for over a year until end of January when they say I haven't responded to a recent letter !

                      Just got the 2 x £1.00 postal orders to send for the cca's, they are blank and uncrossed, is this right ?
                      Also, forgive me if I'm being stupid but, it says not to alter anything on the cca template. Does that mean I put in the account no but omit my address ? Do I just let them cross reference the account number with the address they hold for me to write back ?
                      Thank you so much for your help.
                      Battendown (the hatches) as we're in for a stormy ride !!

                      I'm steering the good ship Battendown through a severe bout of physical turbulence !!

                      Comment


                      • #12
                        Re: Help needed with MK Rapid Recoveries plus Bryan Carter

                        Originally posted by planB View Post
                        Battendown,

                        I remember chatting to you a couple of years ago when you were being spooked by bailiffs. I look forward to chatting to you again. Nice to have you back.

                        http://forums.all-about-debt.co.uk/s...l=1#post212994
                        Hi Plan B,
                        That's nice of you remembering me ! and thank you for your welcome back.
                        I couldn't get it together at the time to sort everything out due to ill Health. Going to try to give it a ruddy good go now though !
                        Battendown (the hatches) as we're in for a stormy ride !!

                        I'm steering the good ship Battendown through a severe bout of physical turbulence !!

                        Comment


                        • #13
                          Re: Help needed with MK Rapid Recoveries plus Bryan Carter

                          Originally posted by Battendown View Post
                          BARCLAYS NOW OWNED BY MK RAPID RECOVERIES

                          Type of account (credit card/loan) .....
                          CREDIT CARD

                          Date commenced (ideally before Apr 2007) .....APPROX 2001

                          Approx balance .....£4.000

                          Date last paid (approximate date you last made a FULL payment).... APPROX END OF 2009, BUT May have acknowledged it since with a type of insurance. I don't want to give too much info out just incase DCAs read this.

                          Are you on arrangement or not paying....NOT PAYING

                          Status (default/in arrears/up-to-date)..... DEFAULTED

                          Account owner (who is writing to you, a DCA or the lender) .....MK RAPID RECOVERIES/COMPELLO

                          We also have other debt with MK Rabid myself and hubbie have a ccj each.

                          Niddy advised to Cca them so will be doing that.


                          CCA POSTED AND RECEIVED BY MK RAPID RECOVERIES, waiting for their response.

                          I feel more empowered now I've made the first steps by sending off the cca request.
                          Battendown (the hatches) as we're in for a stormy ride !!

                          I'm steering the good ship Battendown through a severe bout of physical turbulence !!

                          Comment


                          • #14
                            Re: Help needed with MK Rapid Recoveries plus Bryan Carter

                            Originally posted by Battendown View Post
                            MR BATTENDOWN'S
                            LOWELL'S (was Compuserve)

                            Type of account.... CREDIT CARD

                            Date commenced (ideally before Apr 2007) ......APPROX 2001

                            Approx balance......£1,000

                            Date last paid (approximate date you last made a FULL payment) ...... AROUND MARCH 2010

                            Are you on arrangement or not paying.......NOT PAYING

                            Status (default/in arrears/up-to-date) .......DEFAULTED

                            Account owner (who is writing to you, a DCA or the lender) .......BRYAN CARTER/ FREDRICKSONS FOR LOWELLS

                            Last had letter in October 2013 from BC saying had 14 days to pay. Did outline costs of how much the balance and court costs would be. Is this what is called a Letter before action ?

                            Niddy advised to Cca them, will be doing that.
                            21st Feb 2014 ...... CCA POSTED AND SIGNED FOR BY THEM. Now waiting for their response .
                            Does the 12 working days (+2) for a response include weekends ? Or is it Monday to Friday ?
                            Battendown (the hatches) as we're in for a stormy ride !!

                            I'm steering the good ship Battendown through a severe bout of physical turbulence !!

                            Comment


                            • #15
                              Re: Help needed with MK Rapid Recoveries plus Bryan Carter

                              Originally posted by Battendown View Post
                              Does the 12 working days (+2) for a response include weekends ? Or is it Monday to Friday ?
                              Working days so Mon -> Fri
                              "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

                              The consumer is that sleeping giant.!!



                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

                              Working...
                              X